I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham

Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham


Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal umbrella
policy, and the "Important Notice" brochure that always comes with it
said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked me
to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot of
other people will fail to read the "Important Notice" (the brochure is 17
pages long), will simply write the check like they do every other year,
and will end up with a big gap in their coverage. And their insurance
agent won't take the trouble to call them or write them a personal letter
telling about the big gap that just opened up in their coverage. So,
look out! And warn your friends.

Ham


Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.


OMG. You continue to amaze me.

JimH wrote:
"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal umbrella
policy, and the "Important Notice" brochure that always comes with it
said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered. If
my ski boat was running - it isn't right now - and I let a friend drive
it to tow me, he's not covered. (Yes, I know that my "underlying" car
insurance covers them up to the limits of that policy, but those limits
are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked me
to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot of
other people will fail to read the "Important Notice" (the brochure is 17
pages long), will simply write the check like they do every other year,
and will end up with a big gap in their coverage. And their insurance
agent won't take the trouble to call them or write them a personal letter
telling about the big gap that just opened up in their coverage. So,
look out! And warn your friends.

Ham

Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.


OMG. You continue to amaze me.




Why is that? Last week, the Bush misadministration refused to tighten or
even impose inspection standards on the importation of Chinese food and
"medicines," despite all the horror stories of the past few months.

Can't interfere with corporate commerce, don'tcha know.

"HK" wrote in message
...
JimH wrote:
"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered.
If my ski boat was running - it isn't right now - and I let a friend
drive it to tow me, he's not covered. (Yes, I know that my
"underlying" car insurance covers them up to the limits of that policy,
but those limits are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham

Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.


OMG. You continue to amaze me.


Why is that? Last week, the Bush misadministration refused to tighten or
even impose inspection standards on the importation of Chinese food and
"medicines," despite all the horror stories of the past few months.

Can't interfere with corporate commerce, don'tcha know.


I think you're on thin ice with this one, Harry. Why should State Farm
insure anyone who has permission to drive your car? 90% of drivers are
blind, dead, drunk or stupid. If they don't know enough to turn in their
keys and kill themselves, it follows logically that they are not capable of
knowing who's competent to borrow their cars.

JoeSpareBedroom wrote:
"HK" wrote in message
...
JimH wrote:
"HK" wrote in message
...
Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person or
organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered.
If my ski boat was running - it isn't right now - and I let a friend
drive it to tow me, he's not covered. (Yes, I know that my
"underlying" car insurance covers them up to the limits of that policy,
but those limits are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the same
limits that were formerly covered by the Umbrella. An additional $206
per year. I will pay the money, because I own a home and it is vital
that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every other
year, and will end up with a big gap in their coverage. And their
insurance agent won't take the trouble to call them or write them a
personal letter telling about the big gap that just opened up in their
coverage. So, look out! And warn your friends.

Ham
Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

OMG. You continue to amaze me.

Why is that? Last week, the Bush misadministration refused to tighten or
even impose inspection standards on the importation of Chinese food and
"medicines," despite all the horror stories of the past few months.

Can't interfere with corporate commerce, don'tcha know.


I think you're on thin ice with this one, Harry. Why should State Farm
insure anyone who has permission to drive your car? 90% of drivers are
blind, dead, drunk or stupid. If they don't know enough to turn in their
keys and kill themselves, it follows logically that they are not capable of
knowing who's competent to borrow their cars.




It has nothing to do with that. It has everything to do with corporate
greed: "... Then, once she called the
underwriters, she still seemed unconcerned. She was happy to
quote me
the increase in premiums to bring each of my car polcies up to the
same
limits that were formerly covered by the Umbrella. An additional
$206
per year."

"HK" wrote in message
...
Last week, the Bush misadministration refused to tighten or even impose
inspection standards on the importation of Chinese food and "medicines,"

They did? It seems to me that the Bush administration came out in favor of
inspections.

They also issued a new rule last week requiring US exporters to obtain
government approval before shipping high tech goods to China that could be
used for military applications. Too bad the Clinton administration didn't
have that foresight. Of course, they were more interested in renting out the
Lincoln bedroom to the highest bidder than they were in protecting our
national security.

On Jul 16, 6:15 pm, HK wrote:

Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

It's always Bush's fault. Clinton never did anything wrong.

wrote:
On Jul 16, 6:15 pm, HK wrote:
Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

It's always Bush's fault. Clinton never did anything wrong.


Bush has been the worst president in this nation's history for nearly
seven years now. It's time for you to get over Bill.

HK wrote:
Hamish wrote:
I am in California. I just got the renewal bill for my personal
umbrella policy, and the "Important Notice" brochure that always comes
with it said, "The definition of insured is revised so that a person
or organization using an insured's auto, RV or watercraft is no longer
covered." So, when I let a valet park my car, he's not covered. If I
loan my car to a friend, relative, or neighbor, they're not covered.
If my ski boat was running - it isn't right now - and I let a friend
drive it to tow me, he's not covered. (Yes, I know that my
"underlying" car insurance covers them up to the limits of that
policy, but those limits are only enough to pay for a stubbed toe.)

I called my agent and she was totally unaware of the change, and asked
me to fax her a copy of the brochure. Then, once she called the
underwriters, she still seemed unconcerned. She was happy to quote me
the increase in premiums to bring each of my car polcies up to the
same limits that were formerly covered by the Umbrella. An additional
$206 per year. I will pay the money, because I own a home and it is
vital that I remain insured up to a high limit.

I have taken the trouble to write this post because I think that a lot
of other people will fail to read the "Important Notice" (the brochure
is 17 pages long), will simply write the check like they do every
other year, and will end up with a big gap in their coverage. And
their insurance agent won't take the trouble to call them or write
them a personal letter telling about the big gap that just opened up
in their coverage. So, look out! And warn your friends.

Ham


Not to worry; it's just part of corporate America's full screw the
individual plan, brought to you and helped along by the Bush
Administration, which doesn't really truly believe in any sort of
regulation, except on civil liberties.

Many refuse to recognize it. The administration is about eliminating
"unnecessary regulation, which is to say all regulation of big business.
The credit card industry managed to gain all control and regulation of
its dealings with customers and in the process anyone that has any
"contract" with big business. They write unilateral contracts and have
the power to change and enforce them. They reserve the right to use our
judicial system to enforce them but virtually eliminate the citizen
access to redress of our Laws and Courts.
The food supply is no longer safe. Adulteration of our foods is now
allowed to be labeled all natural and so and so on.
Big business has gotten every thing on its dream list in the last
several years including unregulated oil industry which operates as a cabal.
Their definitional of free trade and elimination of unnecessary
government etc is survival of the consumer and citizen in the jungle
full of their predation.
Caveat Emptor is more relevant today than anytime, in history.
Our Republic is seriously wounded.